Best & Cheapest Car Insurance Quotes in Wyoming (2024)
Geico has the cheapest Wyoming car insurance quotes, at $80 per month for full coverage.
Find Cheap Auto Insurance Quotes in Wyoming
Best cheap car insurance companies in Wyoming
How we chose the top companies
Best and cheapest car insurance in Wyoming
- Cheapest full coverage: Geico, $80/mo
- Cheapest minimum liability: Geico, $18/mo
- Cheapest for young drivers: Geico, $236/mo
- Cheapest after a ticket: State Farm, $108/mo
- Cheapest after an accident: State Farm, $116/mo
- Cheapest for teens after a ticket: Geico, $73/mo
- Cheapest after a DUI: State Farm, $189/mo
- Cheapest for poor credit: Geico, $111/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best combination of affordable rates and great customer service in Wyoming.
Geico also has cheap quotes, but its customer service isn't typically as good as State Farm.
Cheapest car insurance quotes in Wyoming: Geico
Geico is the cheapest full coverage auto insurance company in Wyoming. Geico charges $80 per month. That's 33% cheaper than average.
The average cost of a full-coverage car insurance policy in Wyoming is about $120 per month, or $1,436 per year.
Find Cheap Auto Insurance Quotes in Wyoming
Cheapest WY car insurance for full coverage
Company | Monthly rate | |
|---|---|---|
| Geico | $80 |
| State Farm | $100 |
| Farmers | $163 |
| Allstate | $177 |
| USAA* | $79 |
*USAA is only available to current and former military members and their families.
Cheapest liability quotes in Wyoming: Geico
Geico has the cheapest minimum-coverage car insurance quotes in Wyoming, with an average rate of $18 per month — that's 43% cheaper than the state average.
Cheapest WY car insurance companies
Company | Monthly rate |
|---|---|
| Geico | $18 |
| State Farm | $22 |
| Farmers | $39 |
| Allstate | $59 |
| USAA* | $16 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Your Area
Cheapest car insurance for teen drivers in Wyoming: Geico
Geico has the best quotes for young drivers shopping for the cheapest car insurance in Wyoming. Geico's rate of $59 per month for liability-only coverage is 37% cheaper than the average across the state.
Geico also has the best price for full coverage, at $236 per month.
The average cost of car insurance for 18-year-old drivers in Wyoming is $93 per month for liability-only, or $375 per month for full coverage.
Car insurance for young drivers is often much more expensive than for drivers in their 30s or 40s. The average cost of full-coverage car insurance is about three times as expensive for an 18-year-old as it is for an older driver.
Cheapest WY car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $59 | $236 |
| State Farm | $71 | $316 |
| Farmers | $107 | $471 |
| Allstate | $180 | $629 |
| USAA | $46 | $223 |
Cheapest car insurance in Wyoming for people with a speeding ticket: State Farm
State Farm has the cheapest auto insurance quotes in Wyoming for drivers with a speeding ticket, with an average of $108 per month for full coverage. That's 25% below average, and $47 cheaper per month than the second-cheapest option, Geico.
Company | Monthly rate |
|---|---|
| State Farm | $108 |
| Geico | $155 |
| Farmers | $171 |
| Allstate | $201 |
| USAA | $89 |
Cheapest for WY drivers with an accident: State Farm
State Farm has the cheapest full-coverage car insurance quotes for Wyoming drivers with an accident on their driving record. State Farm's rate of $116 per month is 24% cheaper than average. Geico's rate after a single crash is also very affordable, at $118 per month.
Just one accident and claim filing on your driving record can increase your car insurance quotes by $32 per month, or $389 per year, in Wyoming.
Company | Monthly rate |
|---|---|
| State Farm | $116 |
| Geico | $118 |
| Farmers | $187 |
| Allstate | $241 |
| USAA | $98 |
Cheapest car insurance for young drivers after a ticket or accident: Geico
Geico is the best company for a young driver after a speeding ticket or recent crash where they were at fault. At Geico, an average 18-year-old can expect to pay around $73 for a minimum-liability policy after a ticket or $65 per month after a crash.
A speeding ticket can significantly increase car insurance costs for younger drivers, though not as much as for older adults. In Wyoming, 18-year-old drivers with a speeding ticket pay 13% more for car insurance. And an at-fault crash raises rates by 17%.
Company | Ticket | Accident |
|---|---|---|
| Geico | $73 | $65 |
| State Farm | $79 | $88 |
| Farmers | $113 | $124 |
| Allstate | $207 | $209 |
| USAA | $49 | $55 |
Cheapest car insurance for Wyoming drivers with a DUI: State Farm
State Farm offers the best quotes if you have a DUI or DWI on your driving record in Wyoming, with an average of $189 per month.
Geico offers competitive rates for drivers after a DUI, at $199 per month.
Drivers in Wyoming pay, on average, 76% higher rates for full-coverage auto insurance after getting a DUI. This means an average rate overall of $210 per month for DUI insurance.
Company | Monthly rate |
|---|---|
| State Farm | $189 |
| Geico | $199 |
| Allstate | $218 |
| Farmers | $302 |
| USAA | $144 |
Driving while under the influence of alcohol is a serious offense, and insurers have found that people with DUI convictions are much more likely to get in a crash. So your rates are likely to increase significantly after you have a DUI on your record.
Cheapest car insurance for drivers with poor credit: Geico
Geico has the best quotes for drivers with poor credit scores, averaging $111 per month for full coverage. In Wyoming, drivers with poor credit pay 61% higher auto insurance rates than those with good credit.
Farmers has the smallest price increase based on credit — drivers with poor credit only pay 20% more on average than those with good credit.
Company | Monthly rate |
|---|---|
| Geico | $111 |
| State Farm | $166 |
| Farmers | $195 |
| Allstate | $265 |
| USAA | $227 |
Insurers have found that people with higher credit scores are less likely to make insurance claims, so you'll save on your insurance if you have "good" credit or better.
Best auto insurance companies in Wyoming
USAA is the best insurance company in Wyoming, based on average quotes, coverage options and customer satisfaction ratings.
If you are not eligible for USAA, which is only available to members of the military, veterans and their families, State Farm is also a good company based on cost and customer support.
The cheapest car insurance company for you may not have the best customer service. Good customer service is an important factor, as a company with a smooth claims process can get your life back to normal faster after an accident.
Best WY car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Farmers | 815 | A | |
| Allstate | 824 | A+ |
Average car insurance cost in Wyoming, by city
The cheapest Wyoming cities for car insurance are Big Horn, Ranchester, Sheridan and Wyarno, averaging $116 per month or $1,386 per year.
There are 21 total cities where the average is less than $1 per month above the cheapest price.
The most expensive cities for auto insurance quotes in Wyoming are Hoback, Jackson, Moose Wilson Road, South Park, Teton Village and Wilson. The average cost in each of these cities is $126 per month, or $1,514 per year, for full coverage.
The price of car insurance can vary based on where you live, but rates across Wyoming are very consistent. There's only a 9% difference in price between the most and least expensive cities.
City | Monthly rate | % from average |
|---|---|---|
| Afton | $119 | -1% |
| Aladdin | $122 | 2% |
| Albin | $120 | 0% |
| Alcova | $121 | 1% |
| Alpine | $119 | -1% |
Minimum auto insurance requirements in Wyoming
Wyoming drivers need to have a minimum amount of auto insurance in order to drive on public roads. The state only requires drivers to have liability insurance, with minimum limits that are often listed as 25/50/20.
Coverage | Minimum limits |
|---|---|
| Bodily injury (BI) liability | $25,000 per person and $50,000 per accident |
| Property damage (PD) liability | $20,000 per accident |
What's the best car insurance coverage for Wyoming drivers?
Minimum liability car insurance meets Wyoming's minimum coverage requirements.
Unlike full coverage, minimum coverage doesn't include comprehensive and collision insurance, which protects you from damage after a collision, regardless of who’s at fault, in addition to theft, vandalism and storms.
Although full coverage usually costs more, purchasing higher liability coverage limits and adding comprehensive and collision coverage is a good idea if you have a newer car or you drive a lot. You might be required to have full coverage if you have a car loan or lease.
The average difference in cost between full- and minimum-coverage car insurance in Wyoming is $89 per month.
Frequently asked questions
What is the best car insurance in Wyoming?
USAA is the best overall car insurance company in Wyoming. It has the best customer service scores, along with the cheapest full-coverage insurance rates. If you are not eligible for USAA, State Farm is the next best company, with well-rated service and cheap rates, especially for drivers with a speeding ticket.
How much does car insurance cost in Gillette, Wyoming?
Drivers in Gillette can expect to pay $123 per month, or $1,478 per year, for a full-coverage insurance policy. That's 3% more than the state average. In comparison, drivers in Cheyenne pay $119 per month, while those in Sheridan pay a lower rate at $116.
What are the auto insurance requirements in Wyoming?
Wyoming requires drivers to purchase car insurance with a minimum of $25,000 of bodily injury liability per person and $50,000 per accident, along with $20,000 of property damage liability per accident.
Methodology
ValuePenguin collected thousands of rates from every ZIP code in Wyoming for a 30-year-old man who drives a 2015 Honda Civic EX and has good credit.
Each policy, unless otherwise noted, is a full-coverage policy with liability, collision and comprehensive coverage:
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $25,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- $25,000 of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.